
I won't attempt to answer all of your questions, other than to say that there are as many answers to your questions as there are collectors.
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I guess the way I used to collect was to buy a full sheet, keep one mint and break the other into plate blocks and singles. With the newer panes of 20 would I be able to collect the same way I used to? I'm embarrased for asking but how do you collect a self adhesive single?
Today, panes of 12 to 20 stamps are typical for each new issue. In fact, for some issues, the post office is under strict instructions to sell no less than a full pane of stamps. For other issues, it's relatively easy to get a block or strip of stamps from your local post office.
Fortunately, most stamps issued today have a scored backing paper, making it relatively easy to cleanly tear off one or more stamps from a pane, so if your goal is collect single stamps, it shouldn't be too much of a problem there. Preprinted albums, however, can be another story, as there are often no rhyme or reason to how stamps are positioned on a page, as some albums provide spaces for a single or multiple single stamps, whereas others have spaces for a block or a strip of stamps to accommodate all of the different designs.
The idea of breaking up the stamps into plate blocks doesn't always work either, as the plate numbers are not included on some issues, whereas they are included in all four corners of other issues. Collectors have more or less abandoned plate block collecting in recent years. However, for the true specialists, there are collectors of plate number singles that enable collectors to identify various printers or any reprints that may have occurred to certain issues.
For many definitive stamps, there are also multiple printers involved that have prepared stamps in different formats. For example, the Four Flags Stamps that are very common these days have been prepared by three different printers in coils, booklets of 20, booklets of 10 and even ATM booklets of 18. The specialist will want examples of each type (and many pre-printed albums will provide spaces for them). However, the varieties have only very subtle differences, which can make identification a real chore, and for those not concerned with such minor details, an example of one of the several varieties may suffice.
Some of the above recited examples are the very reason why some collectors prefer to print their own album pages as opposed to using a pre-printed album that may or may not have spaces for collecting stamps to your liking.
The key is to enjoy the hobby. Only you can decide the collecting preferences that you may prefer. Remember, there's no right or wrong way to collect stamps.